The difference in the interest rate and the annual percentage rate is the spread expressed as a dollar finance over the life of the loan. The aPR is always going to be … [Read More…]
Did Your Adjustable Rate Mortgage Reset? Directions to Mortgage Payment Clarity
In the last several years, many homeowners looking to take advantage of a lower monthly mortgage payments took out adjustable-rate mortgages to purchase or refinance their homes. As both mortgage rates and … [Read More…]
Why Can't I Get The Refi Mortgage Rate I Saw In The News?
“Why can’t I get the mortgage rate for my refinance I saw in the news?” This question is asked on a daily basis. When you as a homeowner have a mortgage and … [Read More…]
Refinancing Now Takes Longer Than 30 Days
Homeowners refinancing their mortgages will now come to learn the refinance process is taking longer than 30 days. Here’s the scoop: mortgage-backed securities (MBS) continue to be a very lucrative investment vehicle … [Read More…]
Don't Get Burned By Mortgage Rate Locks!
Looking for a mortgage loan in Sonoma County, California? Whether buying a home or refinancing a mortgage, your lender will require you to lock your interest rate on the amount being borrowed. … [Read More…]
What loan programs are available to help me refinance if I'm underwater,my loan is not owned by Fannie Mae or Freddie Mac?
If your loan is ineligible for the HARP 2 refinance program, you do have options. If you live in Sonoma County, or Santa Rosa or a the surrounding areas, you can refinance … [Read More…]
How Your Fico Score Affects Your Ability To Get A Mortgage
“Why can’t I get the interest rates I see advertised on the Internet.” One of the most important characteristics of securing a mortgage is your Fico Score. Simply put, the lower the … [Read More…]
Latest Fed Meeting's Influence On Sonoma County Mortgage Rates
In the latest Fed meeting, Ben Bernanke and the Federal Reserve Board announced it will purchase up to $40 billion per month in additional mortgage-backed securities in an effort to further facilitate … [Read More…]
Current Mortgage Rates For Santa Rosa
Since the death of Bin Laden, current mortgage rates for Santa Rosa remain under 4.75%! For the last two weeks we have had a rally in current mortgage rates and you can … [Read More…]
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